Jump to content


robbersway and welcome debt - now resolvecall - proposed reconnection visit


exeterbay
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 585 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

std threat-o-gram

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 154
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well when i received the MKRR ' final letter and we are now considering our options and will send to litigation dept'

 

 

some months ago and now this Raven '

 

 

this really is the really final letter'

 

 

then i thought they arent serious!!

 

Do i need to do anything?

 

 

Do you think they know about the dodgy default , t&cs missing etc

 

 

and thats why they are just sending threats?

Link to post
Share on other sites

you are learning!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

std threat-o-gram.

 

 

next bloke next desk diff coloured skirt.

 

 

designed to make you think

it Is escalating through a chain

 

 

whereby its not.

 

 

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 10 months later...

Hi All!! its been a while, just checked my credit file(my credit monitior) and MKDP are still there as holders of the secured debt which they purchased from Welcome, it says Residential Second Mortgage

Account status: Default

Date last updated: 18/07/2015

Account opened: 24/01/2008

Account opening balance: --

Repayment frequency: Monthly

Default date: 04/10/2010

Original default balance: £0

 

As you mentioned previously in this thread they cant do jack as they cant provide CCA

and default is incorrect so

 

 

can i not insist this is removed as every month a big 'D' appears on my file!

Link to post
Share on other sites

Nothing more can hurt your file as its defaulted already

 

If you could get it corrected

It would be with the oc not the claimant

 

DX

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

also, date of default notice says 05/10/2010 pay within 14 days but on the credit file the default was applied on the 04/10/2010!

 

thanks dx, had a voicemail left today but deleted it too quick...! it was from from a company called west- something or other, ring any bells? thats why im back on here agin just to see whether i still just sit sstill and see out default? if i want to look at selling property what can i do to get rid of the 2nd charge?

Link to post
Share on other sites

You said the charge had gone from land reg in early posts

 

Prob wescot on the phone

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

no I mean the charge against the property on land registry site.

 

 

re post 12

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Evening dx,

I have today checked the land reg again,

it states in the registry extract that there are two lenders

- one being the mortgage company and

the other being a business that put a charge on my property

(even though they arent lenders they reckon i owed them money)

 

There is no Welcome or MKDP on this section.

 

If you move down to the proprietorship register it again only states the 2 that i have mentioned- mortgage and dodgy business.

 

If you then move down to the charges register then you get the original builders, home owner etc and Welcome are on this,

 

What does this all mean?

 

 

is it that the only charges on the property are the 2 in the proprietorship

and the the charges register are old charges?

 

thanks

Link to post
Share on other sites

unsure to be honest what that means?

 

 

is there a help file or FAQ section on the LR site that explains the varying entries.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

This is what i have just taken from the register, The mortgage company and other are on 'B' - note is says title absolute? Welcome are under 'C'

 

B: Proprietorship Register

This register specifies the class of title and

identifies the owner. It contains any entries that

affect the right of disposal.

Title absolute

 

C: Charges Register

This register contains any charges and other matters

that affect the land.

Link to post
Share on other sites

then the charge is still live.

the loan is still secured

 

 

however, it needs to be noted that its under welcomes name and NOT the pursuers ...urm interesting.

don't think this washes meself

the charge must be in the name of the claimant in E&W

so i's assume the same for Scotland

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

hmmm the plot thickens!

 

 

what can i do?

 

 

is this ever going to go away?

 

 

i would like to possibly sell the house but how can i if the mortgage is the same as the value!

 

 

the other charge is something i need to look at too...

 

 

i really feel i was conned into letting this happen..

 

 

. is there someone on here thst could maybe help me?

 

 

its complicated though and from a failed business ,

 

 

the charge is the landlord.

Link to post
Share on other sites

sri about my last post

not meant for you

but

its the same scenario.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Evening dx,

I think i need to get a plan of action now

because if i just leave this ticking over then every month i will just get a default on my credit file for ever more..infinitely?

 

if Welcome have the charge on my property but they sold the debt to MKDP

then surely there shouldnt be a Welcome charge anymore?

 

If MKDP bought the debt then should the charge be in their name?

can they do this?

 

I take it MKDP bought this debt for nothing so they shoot at many a barn door

until they hit one and the person they are chasing gives in??

 

I really want to put this to bed (and leave you in peace!)

what do you recommend i do??

 

Also-- it is westcot calling, haven't spoken to them.

. Who would they calling for?

Would they have bought it from MKDP?

Link to post
Share on other sites

plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

dx

Ok thanks will do but just before I leave u in peace.... When it leaves my credit file on the 6th birthday what happens to the charge? Even if MKDP don't know it's there, how do I sell the house?

Link to post
Share on other sites

you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters not

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters not

 

 

dx

 

Ok and that goes for any charge if the creditor is no longer around?

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...